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Protect your home and everything in it. Customized protection that fits your budget.

California Home Insurance

The Right Choice
Your home may be your biggest investment and therefore your most valuable asset. Home Insurance in California provides coverage for damage to your home, your personal belongings and potential liability claims against you. Our licensed insurance professionals will make sure you understand your coverage. The right home insurance policy can provide you peace of mind knowing that your home is properly protected.
Coverage Considerations
So how do you determine which plan is best for you? Do you need higher limits? Have you renovated your home recently? Do you need Extended Replacement Cost? These are just a few things you should consider when putting together a policy that will make sense for you. Our job is to make sure we ask the right questions so that when the unexpected happens, you’re covered!
Get Smarter
Take advantage of our knowledge and experience! For example, we have found that the average homeowner only files a claim once every 10-15 years. Therefore, it’s important to determine whether an event is serious enough to file a claim. Why is that important? Well, first off you are responsible for your deductible and of course the potential for increased rates! We like full disclosure and that just helps you be an educated consumer! Start today, by getting a free Home insurance quote or speak with one of our licensed professionals to help with the right solution for you based on your needs and budget.

What You Need To Know

What’s Covered?

Standard coverage includes physical damage to your home, known as Dwelling coverage, which includes separate structures. All your personal property is covered, just be sure to tell us about any valuable or unique items as those may need extra coverage. Any additional living expenses you may incur due to a covered claim would also be covered. Lastly, Personal Liability in the event of a lawsuit due to accident or injury.

Why So Expensive? Or is it?

Contrary to popular belief, it’s not how much you paid for the house, but how much would it cost to rebuild it? We call this Reconstruction Cost. Your Home insurance is based on the construction costs of your home using current labor and material rates minus the cost of the land. In some areas, especially in California, there is a disconnect between the market value vs. the cost to rebuild.

Additional Coverages To Consider

Earthquake Insurance

Did you feel that? If you’re a homeowner in California, it’s important to understand that Earthquake damage is not covered under your traditional home insurance policy. Yes, you read that correct! You need a separate policy to help with those costs, otherwise you would be responsible to cover those damages completely on your own. Get your Earthquake Insurance Quotes through one of our licensed professionals.

Umbrella Liability

Umbrella Liability provides extra liability coverage for your Home & Auto insurance. It helps protect everything you’ve worked so hard to build. Your assets, the kids college fund, your retirement savings – they could all be at risk with a legal liability claim if you don’t have the right coverage in place. We can provide an extra $1 Million and up to $10 Million to protect your assets. Make sure you ask about an Umbrella Quote today!

Flood Insurance

Flood Insurance is an extra layer of protection for your home in the event water floods your home. This could be as a result of heavy rains, tropical storms, melting snow or even insufficient drainage systems. Traditional home insurance does not protect against floods and yet it is the most common natural disaster in the US. Ask about our flood insurance coverage underwritten by the National Flood Insurance Program.

If you prefer to speak to a live person, give us a call!

800-228-4771